Expat Home Loans

Expatriate Loan Program

Designed for professionals entering the U.S. with a valid work authorization and for U.S. Citizens living and working abroad1

  • Only an offer letter is needed for pre-approval
  • No U.S. credit required
  • Max LTV 80% for new immigrants to the U.S.
  • Max 70% LTV for U.S. Citizens living abroad (2nd Home)
  • Loan amounts up to $5,000,000 (LTV limits)

Program Details

Designed For Professionals entering the U.S. with a work visa or other employment authorization1

SSN Requirement: Required by closing date

Credit: No U.S. or foreign credit reports required, no foreign VOR, no foreign VOM and no alternate tradelines required

Loan Sizes: Up to $5 MM allowed with no LTV reduction

LTV: 80% LTV to $2 MM on SFR2

Up to 70% LTV for U.S. citizens living abroad who are purchasing property in the U.S.

Foreign Assets: Considered for reserves and down payments

Gifted down payment / Gifted Reserves / Gift of Equity: Yes

Pre-qualification: Pre-qualification using an offer letter permitted; First pay stub required for funding.

Please reach out if you have any questions.

Phone number: (703) 843-3696

Email:  info@hbradosti.com